Insurance Agent

From the time we are young we are forced to go to school, but later in life some of us decide to join the adult world early, while about 22% of other Americans decide to further their education and get a Bachelor’s degree. Our parents are usually telling us “go to school, get a degree, and find a good job with a good salary and benefits”. I myself followed that route, and I became one of those college grads that are overqualified and underpaid.

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Cashflow Quadrant

Cashflow Quadrant

When I was 19, I discovered an amazing writer and business guru, Robert Kiyosaki. I found his audiobook, Rich Dad Poor Dad, because kids in my middle school were talking about it as I tried to follow a common career path. That book was eye opening! I could not stop reading and quickly read his second book, Cashflow Quadrant. They should teach us this information in school or at least in college.

The whole book argued a simple idea: our world is divided into four different segments. These segments represent the way we can make money and why rich people get richer and the poor more so. Mr. Kiyosaki explained that the majority of people assume that you have to work in order to make money. So they go to school, earn their degrees, and join the club 40-40-40, which stands for working 40 hours a week for 40 years and being taxed at 40%. Unfortunately, this is appears to be the only way people know how to make money.

However, there is a second way. People say, “Screw the employers! This is America, and I want to open my own business!” Some open a plumbing business, a hair salon, or become photographers. They are saying, “Well, I have my own business now!” This is where a challenging question comes up, and there are only two answers “Yes” or “No”. The question is “If you leave your business for a year and go travel the world, will your business bring you money?” People who stay in the S sector of a quadrant say “Of course not, if I leave, who will do the job? I will lose all of my customers!” In this case, people who work for themselves are not business owners, but they just own their jobs.

There is a third sector, B. B stands for business. There are three ways to join this sector. The first is to develop your own idea. Let’s say you want to start a new coffee shop. First, you will need a business plan. Second, you will need to find investors. Not a lot of people will put money into a coffee shop because it is a very risky business. Yes, you can hire employees, train them, and make them work while you are on vacations, but only 4% of new businesses stay afloat after 10 years. Second, if you happen to have a couple millions of dollars laying down on your bank account, you could pick Subway, Starbucks, or McDonald’s to open a franchise. You won’t have to develop a new system like in the first case, but you still need a large upfront investment which a majority don’t have. There is a third way. It is suitable for people who want to become entrepreneurs. You can join an MLM company with a startup cost that is much lower than buying a franchise. These companies usually have systems and teams that can coach you and help your business grow. It is a great way to be able to make money as a business owner with low startup costs!

The fourth sector of the quadrant is Investment. The key idea is putting money in order to make money. Of course, it is hard to get there, if you don’t have a large sum of cash. You can try moving yourself through the whole grid in order to end up here and make your money work for you!

MLM vs. Pyramid

MLM vs. Pyramid

People are often confused about these two terms and use them interchangeably despite huge differences one should understand before calling MLM a pyramid scheme. MLM stands for Multi-Level Marketing. This means marketing products while creating your teams.

MLM

Pyramid Scheme

Income

Hard work

Get rich quick

Recruiting

Not necessary

Required. Sometimes the only way to make money.

Product

Has product

Has service/just an investment

Continuous Training

Companies always train their people

Has some training

Distribution of Money

You can make more than your upline

You can never make more than your upline

The main difference to separate the two is whether the company is promising you a lot of quick money. If yes, then it is most likely a pyramid scheme. If you are guaranteed to make money via hard work then it is most likely an MLM company.

Recruiting is not necessary in MLM companies because of other ways to make money. With pyramids you have to recruit in order to stay afloat. This is why pyramids are not stable. If you recruit too many people, you can reach the limit of the population of our planet! If a company only recommends you to recruit and you are not getting anything off the recruitment fee then it is an MLM company.

MLMs have products. Avon sells cosmetics, Herbalife sells food supplements, and Amway sells vitamins and other products. Meanwhile pyramid schemes either have services or nothing at all. Sometimes you just “invest” your money into a company in order to make more money. This is a red flag!

Network Marketing companies provide continuous training (once or twice a week) where you can learn about your products, how to sell them and how to approach people. Pyramid schemes might train you, but not on a regular basis. They might tell you about services you provide, but that’s about it.

With MLM companies you can make more money than your upline. If you have an amazing month and make a lot of sales, you will be rewarded while the person who recruited you will make only a small cut of your work. In pyramid schemes it is impossible to make more money than your upline.

While there are sceptics who believe that MLMs and pyramid schemes are the same, people like Robert Kiyosaki, Donald Trump, and Warren Buffett say that Network Marketing companies are actually the best way to try being an entrepreneur! Herbalife was established in 1980, Amway in 1959, and Avon in 1886! People have trust in these products and these MLMs do their best to help their clients!

What I Do

What I Do

If you’re already excited, just wait until you hear what I do. I don’t sell cosmetics, or supplements, or vitamins. I sell something more important. I sell protection.

I work with only the top insurance companies in America. You’ve probably heard of Nationwide, AIG, National Western, Foresters, or Mutual of Omaha. These are just a few of about 20 companies whose products we market.

You might ask, “Why I would be interested in working with you when I can join Nationwide or AIG and actually work directly with them?” Well, some products don’t always fit all customers, so if you work just with AIG, you can provide only so many options to your client, and he or she might not be satisfied and look for help somewhere else. As an independent agent, you can offer other options and have all these companies compete with each other to the benefit of a client.

My goal is not to sell a product. My goal is to protect people, their families and assets. This way I can build a good reputation and find a way past obstacles!

Request an Interview

If you are looking for additional income or even a career change and want to become a licensed agent then fill out this form to be considered for an interview. If you are qualified, one of my partners will contact you as soon as possible. If you have any other questions, feel free to address them here also.

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